Delta SkyMiles® Platinum Business American Express Card

The card_name is designed for business owners who fly Delta frequently and need some help reaching elite status with the airline. There’s a welcome offer and you can also get a round trip companion ticket when you renew your card. Terms Apply. Medallion Qualification Miles get you closer to elite status, which can score you flight upgrades and waived baggage fees. Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.

For business owners who fly Delta a lot, it’s a worthwhile card. We dive into the details and your approval odds in this Delta SkyMiles Platinum Business review.

Welcome Offer

Earn 95,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17. Terms Apply.

Our Rating

4.6/5.0

Welcome Offer

Earn 95,000 Bonus Miles

Annual Fee

$350

0% Intro on Purchases

N/A

Reward Rate

1x – 3x miles

0% Intro on Balance Transfers

N/A

Welcome Offer

Earn 95,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Free Checked Bags, Luggage Protection, Trip Delay Reimbursement, TSA PreCheck & Global Entry credit

Rewards

1x miles
On all other eligible purchases
Earn 1x miles on every eligible dollar spent on other purchases
1.5x miles
Select Categories
Earn 1.5X miles on eligible U.S. shipping purchases.
1.5x miles
Select Categories
Earn 1.5X miles on eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
1.5x miles
Transit
Earn 1.5X miles on eligible transit purchases.
3x miles
Delta Purchases
3 miles on every dollar spent on eligible purchases made directly with Delta.
3x miles
Hotels
3 miles on every eligible dollar spent on purchases made directly with hotels.

Interest Rates & Fees

Annual Fee$350
Foreign Transaction FeeNone
Regular APR20.99% - 29.99% (V) APR

Insurance

Trip Delay Insurance

Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period.
  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by New Hampshire Insurance Company, an AIG Company.

Cell Phone Insurance

Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by New Hampshire Insurance Company, an AIG Company.

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by AMEX Assurance Company.

Lost Baggage Insurance

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

What Credit Score Is Required to Get the Delta SkyMiles® Platinum Business American Express Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 659

Average Approved Credit Score: 716

App StatusDateCredit ScoreBureauCredit Limit
Approved10/12/2021
810
Not Provided
$10,000
Approved06/13/2022
659
Experian
$1,700
Approved09/07/2021
679
Equifax
$1,700

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
Cons
  • Annual fee
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Capital One Spark Miles for Business
Capital One Spark Miles for Business

Rating

4.7

Rewards Range

2x to 5x miles

Annual Fee

$0 intro for first year; $95 after that

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.7

Rewards Range

1-3x points

Annual Fee

$95

United℠ Business Card
United℠ Business Card

Rating

4.7

Rewards Range

1x - 2x miles

Annual Fee

$0 intro annual fee for the first year, then $99

Related Articles

To view rates and fees of the Delta SkyMiles® Platinum Business American Express Card, see this page.